Bank of India
Fundamental Score
Bank of India Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of BANKINDIA across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Operating Margins (63.53%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Excellent EPS Growth (33.06% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (38.07% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Strong Cash Generation (₹6531.41 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (73.38%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
5 factors identified
Suboptimal ROCE (6.17%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Elevated Debt Levels (D/E: 11.67)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.27x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for Bank of India
About BANKINDIA
Business Overview
Bank of India Limited provides various banking products and services in India and internationally. It operates through Treasury, Wholesale Banking, and Retail Banking segments. The company accepts various deposit products, such as savings, salary, current, term, and rera account deposits. It also provides debit, credit, and prepaid cards; personal, home, vehicle, education, star reverse mortgage, and home loans, as well as loans against property; and finance to new and existing business, healthcare schemes, govt. sponsored schemes, and commercial vehicle finance services. In addition, the company offers credit, cash management, and trade finance services; government deposit schemes, including public provident fund, senior citizens savings, Sukanya Samridhi, national pension system, departmentalized ministries, sovereign and RBI bond, mahila samman savings certificate, and other schemes; mutual funds; and life, health, and general insurance products. Further, it provides NRI services, such as accounts, loans, and money remittance and ancillary services, as well as Kisan credit card, gold loans, self help group, Atmanirbhar schemes, tractor/farm mechanization, food and agro loans, agri allied activities, Kisan Ghar and agri mortgage loan, agri clinic/agri business centers, and other loans services, as well as internet and mobile banking, and payment services. The company was incorporated in 1906 and is headquartered in Mumbai, India.
Company Details
Key Leadership
Corporate Events
Latest News
BANKINDIA Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Bank of India (BANKINDIA)?
As of 29 Jan 2026, 10:39 am IST, Bank of India (BANKINDIA) is currently trading at ₹164.91. The stock has a market capitalization of ₹67.07K (Cr).
Is BANKINDIA share price Overvalued or Undervalued?
BANKINDIA is currently trading at a P/E ratio of 6.69x, compared to the industry average of 8.20x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the Bank of India share price?
Key factors influencing BANKINDIA's price include its quarterly earnings growth (Sales Growth: 6.04%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Bank of India a good stock for long-term investment?
Bank of India shows a 5-year Profit Growth of 38.07% and an ROE of 12.35%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 11.67 before investing.
How does Bank of India compare with its industry peers?
Bank of India competes with major peers in the Public Sector Bank. Investors should compare BANKINDIA's P/E of 6.69x and ROE of 12.35% against the industry averages to determine its competitive standing.
What is the P/E ratio of BANKINDIA and what does it mean?
BANKINDIA has a P/E ratio of 6.69x compared to the industry average of 8.20x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹7 for every ₹1 of annual earnings.
How is BANKINDIA performing according to Bull Run's analysis?
BANKINDIA has a Bull Run fundamental score of 49.4/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does BANKINDIA belong to?
BANKINDIA operates in the Public Sector Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting Bank of India.
What is Return on Equity (ROE) and why is it important for BANKINDIA?
BANKINDIA has an ROE of 12.35%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently Bank of India generates profits from shareholders' equity.
How is BANKINDIA's debt-to-equity ratio and what does it indicate?
BANKINDIA has a debt-to-equity ratio of 11.67, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is BANKINDIA's dividend yield and is it a good dividend stock?
BANKINDIA offers a dividend yield of 2.75%, which means you receive ₹2.75 annual dividend for every ₹100 invested.
How has BANKINDIA grown over the past 5 years?
BANKINDIA has achieved 5-year growth rates of: Sales Growth 10.86%, Profit Growth 38.07%, and EPS Growth 33.06%.
What is the promoter holding in BANKINDIA and why does it matter?
Promoters hold 73.38% of BANKINDIA shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is BANKINDIA's market capitalization category?
BANKINDIA has a market capitalization of ₹67075 crores, placing it in the Large-cap category.
How volatile is BANKINDIA stock?
BANKINDIA has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for BANKINDIA?
BANKINDIA has a 52-week high of ₹N/A and low of ₹N/A.
What is BANKINDIA's operating profit margin trend?
BANKINDIA has a 5-year average Operating Profit Margin (OPM) of 63.53%, indicating the company's operational efficiency.
How is BANKINDIA's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 6.04% and YoY Profit Growth of 6.42%.
What is the institutional holding pattern in BANKINDIA?
BANKINDIA has FII holding of 4.24% and DII holding of 15.63%. Significant institutional holding often suggests professional confidence in the stock.